Sotheby's Financial Services

Sotheby's Financial Services

Unlock the value of your art.
Unlock the value of your art.

F or more than 35 years, Sotheby’s Financial Services has provided financial flexibility to the world’s premier collectors. By accessing the unsurpassed expertise of Sotheby’s specialists across 70 collecting categories, SFS can quickly and accurately value your collection, using it as collateral to provide individualized financing ranging from $2 million to $150 million. And because all SFS loans are underwritten by art and not personal wealth, no financial information or covenants are required, and closings are usually completed in less than 30 days.

SFS offers collectors Art Equity Loans for up to 50% of the value of art and other precious assets. We also offer Auction Advances against property that is consigned for sale. SFS Art Equity Loans and Auction Advances provide liquidity for any reason, whether you are seeking greater bidding power at auction, wish to take advantage of a business opportunity or need to secure funds for a major life event.

The Sotheby’s Financial Services Advantage

  • Loans up to $150 million
  • Competitive rates
  • No personal financial information required
  • No financial covenants
  • Close within 30 days

Your Collection is Your Collateral

Use the art, jewels and other precious assets you already own to maximize your financial flexibility.

    Art and Objects Accepted as Collateral

    • Modern and Contemporary Art
    • Old Masters
    • Jewelry
    • Watches
    • Decorative Art
    • Asian Art
    • Collectibles
    • Any other category sold by Sotheby’s

    Increase Your Bidding Power

    This season, consider financing up to 50% of your Sotheby’s auction purchases with an Art Equity Loan from Sotheby’s Financial Services.*

    From Application to Funding in 30 Days
    • Day 1
    • Day 10
    • Day 14
    • Day 30
    • Application
      Submit initial application with simple images and provenance information.

    • Appraisal
      Sotheby’s Financial Services conducts an appraisal of the collateral items and provides a financing offer

    • Review
      Review and finalize the Loan Agreement

    • Mary Turner/Getty Images
      LONDON, ENGLAND - JUNE 08: The installation '$, 2001' by Tim Noble and Sue Webster's which is going on show at Sotheby's with and estimated value of £100,00-150,00, on June 8, 2015 in London, England. The work forms part of an exhibition of 21 pieces inspired by the US Dollar which are estimated to have a total value of £50 million and will go under offer by the auction house on 1st and 2nd July 2015. (Photo by Mary Turner/Getty Images)
      Close the contract and disburse funds

    *Subject to eligible purchases with a minimum hammer price of $2 million. This is not a commitment to lend, and financing products are subject to an eligibility check and may not be available in all locations.


    “S otheby's Financial Services has been great to work with in all respects. The staff is accessible, personable, and most importantly, helpful. They have always listened to my needs and responded promptly, in a manner which provided me the financial flexibility I wanted."
    –A North Carolina based contemporary art collector

    “D uring my 8 year relationship with Sotheby’s Financial Services I always felt that I could count on them to back me up with new acquisitions and investments. I never felt pressure from them of any kind.”
    –A European based collector of contemporary art

    I have known Sotheby’s Financial Services for some time now as they made a loan facility available to my client, secured on a large portfolio of paintings. We managed to complete the deal in record time even though it was an international transaction involving 5 jurisdictions and required thinking outside the box and providing creative solutions, all of which SFS was happy to do."
    –Claire Wheatley, Partner, banking and finance group, Hill Dickinson LLP

    Q uick, uncomplicated, reliable and above all flexible to adjust to change. A highly valued and solid partner for over 5 years and counting."
    –A leading Swiss based collector of contemporary art

    I first borrowed money from Sotheby's Financial Services in the late 1980's, and have repaid and drawn down my various lines many times since. Sotheby's responsiveness and flexibility has been a consistent hallmark of our relationship. Especially in the current bank regulatory environment, where asset-based lending to high net worth individuals has become increasingly complicated and difficult, it is refreshing to deal with people who understand the value of art and antiques as collateral."
    –A New York based collector of contemporary art and furniture

    "S trategic lending goes hand in hand with strategic buying. There is no better partner than one that understands that combination. Sotheby’s Financial Service’s flexibility has been important to me to maneuver quickly when I needed to. It's that first hand relationship with the art market that clearly makes the difference. That is why I have been with SFS for over 25 years."
    –A New York based collector of Chinese contemporary art

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    Find Out More

    To learn more about art lending through SFS, contact your Relationship Manager, email or call us at one of the numbers below:

    New York: +1 (212) 894 1130
    London: +44 (0) 207 293 5797

    This is not a commitment to lend, and financing products are subject to an eligibility check and may not be available in all locations.

    Sotheby’s Financial Services California, Inc. is a licensed California Finance Lender (6030237). Loans made or arranged pursuant to a California Financing Law license.


    Request a Confidential Consultation
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